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Kentucky

Kentucky Health Insurance

Kentucky has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your health insurance purchase.

This guide:

  • Describes important Kentucky health insurance policy regulations

  • Lists rules Kentucky health insurance companies must follow

Health insurance policies are regulated by each state's own health insurance laws. Kentucky health insurance companies and policyholders alike must abide by established insurance laws.

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Do You Qualify For A Subsidy?


Find out if you qualify for a government subsidy under Obamacare. Millions of Americans will have their insurance rates reduced under the new health care law. Learn how much you could save with our simple calculator.

Kentucky health insurance policy provisions

Some of the most important Kentucky health insurance laws to be concerned with are the ones regulating the health insurance policy specifically.

One important Kentucky health insurance policy regulation you should be aware of is known as the guaranteed renewability provision. This provision prohibits Kentucky health insurance companies from terminating your health insurance policy on the grounds of illness.

Also, Kentucky health insurance policies can include a exclusion periods for conditions you were diagnosed with 6 months prior to the beginning of your health insurance policy. If your Kentucky health insurance policy implements an exclusion period, the cost of any treatment you receive for the pre-existing condition is not paid for by your health insurance company. These exclusion periods can last up to 12 months.

Kentucky health insurance policies can also contain elimination riders, the purpose of which is to exclude medical conditions from insurance coverage permanently.

If you are switching Kentucky health insurance policies, your old plan's exclusion period can credit your new plan's exclusion period, provided there are no days in between the two policies that you are not covered.

As an advantage to you, Kentucky health insurance policies that cover your dependents must also cover newborns and newly adopted children for the first 31 days. You, the parents, must then make the required health insurance policy adjustments to include the new child being covered.

Also, handicapped dependents that exceed the age limit to be covered under a parent's Kentucky health insurance policy can actually continue to receive coverage under the parent's plan.

Regulating Kentucky health insurance companies

Kentucky health insurance laws do not have strict policy restrictions.

For instance, Kentucky health insurance companies are allowed to refuse you coverage or charge you more for coverage on the basis of your health and age. There are limits, though, to how much extra they can charged you based on these factors.

However, Kentucky health insurance companies must offer a state standardized health insurance policy any individual to which they have agreed to sell health insurance.

Also, unless you have violated a policy regulation, Kentucky health insurance companies cannot refuse to renew your health insurance policy.

Temporary Kentucky health insurance

There may be times when you need to have a break in your major medical insurance coverage. In order to avoid new exclusion periods on treatment you have been perscribed with, you should purchase a temporary Kentucky health insurance policy in these instances.

Conversion policies are a good option for temporary health insurance in Michigan. If you have recently left a fully insured group policy and have exhausted your COBRA continuation coverage, you are eligible for a conversion policy.

You also qualify of you have lost your Kentucky health insurance coverage because of divorce or because you recently exceeded the age limit for dependent health care coverage.

The policy premiums for these plans will likely be much more than you were originally paying and the coverage may not be the same. Still, these plans offer adequate and affordable Kentucky health insurance (without exclusion periods!) when you need it.

More KY health insurance help

If you want more help getting a good health insurance policy, read our guide to health insurance.

Also see the guide to Kentucky small business health insurance.


To find out more about KY health insurance laws and regulations, visit the official website of the Kentucky Office of Insurance.



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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.